財富管理客戶投資建議之探討－以A銀行為例

An investigation of the investment suggestion for wealth management customer: a case study on A bank

梅怡佩(Yi-Pei Mei)

指導教授 ： 鄭雅穗

元智大學/管理學院/管理碩士在職專班/碩士(2011年)

https://doi.org/10.6838/YZU.2011.00056

摘要

本論文研製之理財中心客戶投資管理建議之探討，在全球金融海嘯之後，各個銀行的財富管理業務大幅縮水，以往銀行的主要收入來源為存放款利差，演變成以理財商品手續費收入為主的財富管理業務，由於無需提列呆帳，所收取的相關手續費，皆為視為銀行的淨收入，故各家銀行日漸重視財富管理業務，但是在這次金融海嘯所帶來的衝擊，造成客戶對銀行的不信任提升，導致財富管理業務業績一度嚴重下滑，相對銀行業的淨利亦無法提昇，最直接的反應在銀行的每股盈餘。
因此依照上述的方向，本研究提出兩項希望可達成的目的，首先在財富管理競爭中，透過本研究分析，以增加理財中心競爭力，替企業創造獲利。再來探索影響財富管理中心經營成功主要因素，以利銀行業未來在行銷及經營上將資源有效分配在效益較大之處。利用銀行資料庫與台灣經濟新報資料庫以聚類及決策術的分析法嘗試透過條件歸納的方式，以樣本客戶購買的基金為基礎探討基金的風險等級並以長期投資的目標，選出可接受的投資組合，為理財中心經營創造更多的附加價值來降低客戶的投資風險與增加滿意度。

關鍵字

財富管理 ； 淨利 ； 基金風險

並列摘要

This thesis focuses on the investigation of customer’s investment management suggestion for wealth management center. After the financial tsunami, the wealth management business of each bank has shrunk a lot, in the past, the major income of a bank is the interest difference between money in and out of the bank, however, the major income of the bank soon became the transaction fee for the sale of wealth management products; since there is no need to prepare bad debt, the related transaction fees collected are all seen as the net income of the bank, hence, most of the banks put great attention on the wealth management business, however, the financial tsunami this time has brought an impact, that is, customer no longer trusts the bank, which in turn leads to the slow-down of the wealth management business; relatively, since the net profit of the bank cannot be enhanced, the most direct response if on the earning per share of the bank.
Therefore, based on the above direction, this study has proposed two objectives to be achieved. First, in wealth management competition, through the analysis in this study, the competitiveness of wealth management center is enhanced, and profit is then created for the enterprise. Next, major factors affecting the successful operation of wealth management center will be investigated so that in the future, the banks can, in the marketing and operation aspect, distribute the resource effectively on the place with larger effectiveness. Moreover, bank database and Taiwan Economic Journal database are used, through clustering and decision tree analysis method and through condition summarization method as well as using customer’s purchased mutual fund as basis, the risk level of mutual fund is then investigated; meanwhile, based on long term investment goal, acceptable investment combination is selected, that is, more added values are created for the operation of wealth management center, then the risk of the investment of customer is reduced and customer’s satisfaction is then increased.

並列關鍵字

wealth management ； net profit ； risk level

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